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  1. #1
    Green Member
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    Jan 2013
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    IL
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    Default Restaurant or Travel (or Entertainment) supplement to BCP?

    I recently upgraded from an AMEX Blue to a BCP, and more recently still changed my old Discover Open Road card to a More (I don't need the 1% on the It and I'd rather keep my options open.) I'm pretty happy with the combination, but I'm thinking about adding one last card to replace the 2% restaurant benefit from the Open Road, which was handy.

    Given my cooking ability that's probably the most important category I have uncovered, but I'm also interested in any good Travel or Entertainment cardsóbasically anything else that complements the BCP's grocery/gas/dept store cashback. What do you guys like, especially among no-annual-fee cards? It looks like the Forward was just about perfect, but it's no longer available for non-students if I'm reading their site correctly.
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  2. #2
    Centurion Member
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    San Diego
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    Quote Originally Posted by danda View Post
    I recently upgraded from an AMEX Blue to a BCP, and more recently still changed my old Discover Open Road card to a More (I don't need the 1% on the It and I'd rather keep my options open.) I'm pretty happy with the combination, but I'm thinking about adding one last card to replace the 2% restaurant benefit from the Open Road, which was handy.

    Given my cooking ability that's probably the most important category I have uncovered, but I'm also interested in any good Travel or Entertainment cards—basically anything else that complements the BCP's grocery/gas/dept store cashback. What do you guys like, especially among no-annual-fee cards? It looks like the Forward was just about perfect, but it's no longer available for non-students if I'm reading their site correctly.
    I would get the US Bank Cash Plus, it has no AF and 5% for Restaurants. You can see below the link with the categories and cashback %

    https://cashplus.usbank.com/index.cf...ries/demo/true

    ps: "Bill pay" and some other categories will change after Feb but in my opinion it's still a great card to supplement with BCP.

    If you spend a lot on gas I would consider the PenFed Platinum Rewards, gives you 5% on gas, no AF and no Foreign Transaction Fee.

    https://www.penfed.org/platinum-rewards/
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  3. #3
    Centurion Member
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    Oct 2012
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    California
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    Default

    Citi Forward for Restaurants and Entertainment, Cash+ in general to supplement, and Chase Sapphire Preferred for travel.
    Sole Ownership Cards:
    1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
    Citi Forward Student Visa, $6k CL, Open Since 10/2012
    Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
    SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
    Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
    Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
    US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
    Authorized User (Parents Pay/Use)
    Costco TrueEarnings Amex $29.4k CL, AU since 11/2012
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  4. Centurion Member
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    Jul 2012
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    West Coast
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    Quote Originally Posted by danda View Post
    It looks like the Forward was just about perfect, but it's no longer available for non-students if I'm reading their site correctly.
    Several folks over at myFico reported that they got approved for the student application despite not being students. Apparently the app asks if you are a student or not and all you have to do is answer "no". Not sure if this is a "loophole"; and if it is, Citi might close the loophole soon.
    AMEX BCE ($7600), Citi Forward ($3300), Discover IT ($2250), BoA Travel Rewards ($1800)
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  5. #5
    Centurion Member
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    Oct 2012
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    California
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    Also, even if they close that loophole, you can register for a single online class from a community college for not much money and either take it if one interests you or drop it the first day of class and get a full refund...as long as you're a student at the time of application its fine and you can keep your card after you're not.
    Sole Ownership Cards:
    1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
    Citi Forward Student Visa, $6k CL, Open Since 10/2012
    Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
    SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
    Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
    Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
    US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
    Authorized User (Parents Pay/Use)
    Costco TrueEarnings Amex $29.4k CL, AU since 11/2012
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  6. #6
    Centurion Member
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    Jun 2011
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    Down South
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    Quote Originally Posted by Bksuper View Post
    Also, even if they close that loophole, you can register for a single online class from a community college for not much money and either take it if one interests you or drop it the first day of class and get a full refund...as long as you're a student at the time of application its fine and you can keep your card after you're not.
    Citi Forward, Discover Miles, US Bank Cash +.
    Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
    Plane tickets: CSP
    Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
    Clothes: Express, Amex BCP, Discover IT
    Amazon: Citi Forward, Cash +
    Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
    Hotels and other travel: Discover Escape, CSP
    Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
    Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
    Balance transfers: Kroger 123 rewards
    Bill Pay: Chase Ink Plus, Citi Forward
    Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
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  7. #7
    Centurion Member
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    Jan 2013
    Location
    USA
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    290

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    Man I'm glad I PC'ed from Citi Dividends MasterCard to the Forward card a few weeks ago. But now I'm wondering if they are look into nerfing the card, not necessarily by eliminating anything but more so by making the points worth a lot less.

    Amex BCE: 3% grocery, 2% gas
    Bank of America Better Balance Rewards MC: $25/quarter bonus
    Barclaycard Rewards Visa Signature: 2% gas, groceries, utilities
    Capital One Quicksilver Visa Signature: 1.5% everything
    Chase Freedom Visa Signature: 5% rotating
    Citi Forward Visa: 5% restaurants/fastfood, movie theaters, amazon.com
    US Bank Cash+ Visa Signature: 5% electronic stores, restaurants
    Chase Amazon Visa: 3% amazon.com (unused)
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  8. Centurion Member
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    Jun 2011
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    Down South
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    They have been sending out promos to get people to use the card more. I'm hoping they make it similar to the cash plus so that we can choose other categories. It's cheaper for banks to deal in points than it is in cash back.
    Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
    Plane tickets: CSP
    Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
    Clothes: Express, Amex BCP, Discover IT
    Amazon: Citi Forward, Cash +
    Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
    Hotels and other travel: Discover Escape, CSP
    Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
    Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
    Balance transfers: Kroger 123 rewards
    Bill Pay: Chase Ink Plus, Citi Forward
    Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
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